Note: The job is a remote job and is open to candidates in USA. Coinbase is a remote-first company focused on increasing economic freedom. As a Payments Risk Analyst II, you will be responsible for identifying and mitigating fraud risk across Coinbase's fiat payment rails, while collaborating with various teams to enhance risk management strategies.
Responsibilities
- Own end-to-end risk controls for ACH payments, scaling fraud prevention processes to keep pace with business expansion
- Drive detection and mitigation of fraudulent deposit activity by implementing targeting logic against bad actors and high-risk behavior
- Lead quantitative analysis of fraud performance, measuring rule precision and recall, assessing the financial impact of decisions, and surfacing tradeoffs to leadership with clear, data-backed recommendations
- Partner cross-functionally with Product, Growth, Data Science, Risk ML, and Engineering to develop and iterate on risk management strategies, including the transition from heuristic rules to model-driven and synchronous friction controls
- Execute investigations into anomalous customer and transaction behavior, proactively identifying monitoring gaps and closing them before they become losses
Skills
- 4+ years of experience in risk, fraud, or payments operations, with at least 2 years focused on payments fraud prevention in a fintech, e-commerce, or financial services environment
- 2+ years of hands-on experience querying and analyzing large datasets using SQL, with the ability to independently scope and execute analytics projects end-to-end
- Demonstrated experience using identity-provider data and fraud-detection tooling to implement and tune risk controls
- Proven ability to measure the financial impact of fraud decisions and communicate findings to senior leadership and cross-functional stakeholders
- Demonstrated working knowledge of ACH payment processing and applicable NACHA rules
- Utilizes generative AI responsibly, maintaining human oversight to deliver business-ready outputs and drive measurable improvements in workflow efficiency, cost, and quality
Benefits
- Total compensation may also include equity and bonus eligibility, and benefits (medical, dental, vision, 401(k)).
- 401(k)
- Medical
- Dental
- Vision
Company Overview
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